Entrepreneurship ecosystem-based learning program on early childhood financial literacy

Nur Alim Amri; Nurhidayat Nurhidayat; Romansyah Sahabuddin; Basri Bado

doi:10.33474/thufuli.v7i2.24351

Authors

Nur Alim Amri Universitas Muhammadiyah Makassar
Nurhidayat Nurhidayat Universitas Muhammadiyah Kolaka Utara
Romansyah Sahabuddin Universitas Negeri Makasar
Basri Bado Universitas Negeri Makasar

DOI:

https://doi.org/10.33474/thufuli.v7i2.24351

Keywords:

Early Childhood Education, Financial Literacy, Entrepreneuria Ecosystem

Abstract

This study shows that an entrepreneurial ecosystem based learning program significantly improves financial literacy in early childhood. Through an intervention that integrates market elements (market day simulations), culture (saving and sharing habits), human capital (teacher guidance), and support systems (parental involvement), children gain real world experience in understanding the function of money, distinguishing between needs and wants, conducting simple transactions, and demonstrating positive financial attitudes. Pretest data showed that the initial abilities of both groups were relatively equal, but after six intervention sessions, the experimental group experienced a significantly higher score increase than the control group. The t-test results (t(27) = 8.421, p = 0.000) confirmed this significant difference, demonstrating the effectiveness of entrepreneurial ecosystem-based learning in strengthening financial competency. Classroom observations also showed that children in the experimental group were better able to conduct transactions, count play money, justify purchasing decisions, and demonstrate saving and sharing behavior. Thus, this study confirms that financial literacy is not sufficiently taught through conventional methods such as introducing money through pictures or routine saving activities. Children need contextual, structured learning experiences that involve various environmental elements. An entrepreneurial ecosystem based learning model provides a holistic, meaningful, and relevant approach. Therefore, this program is recommended to be systematically integrated into the early childhood education curriculum to prepare children with basic financial skills and healthy economic habits from an early age.

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